Why the Army Made Me a Better CIO

James Higgins, CIO of Barclays UK Business Bank, shares how customer obsession, military discipline, and talent-first leadership have shaped his career.

In just over a year, James Higgins has reshaped how technology supports business banking at Barclays. 

As CIO of Barclays UK Business Bank, he leads a 600-person tech organisation serving nearly a million SME customers. His approach to leadership blends military precision, a deep focus on people, and a relentless drive to deliver customer value.

In this episode of the Action Impact Growth podcast, James shares the principles and practices that have guided his journey - from the British Army to the boardroom - and how they’re helping him build a high-performing, purpose-driven tech organisation.

Topics

Leading with Clarity and Autonomy

Leadership in James’ world is about creating the conditions for others to succeed. Drawing on his military background, he applies the principle of mission command — setting clear intent, defining guardrails, and then stepping back to let teams take ownership. This model fosters psychological safety, encourages experimentation, and enables faster decision-making across the organisation.

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Hiring for Talent, Not Titles

Rather than filling roles with narrowly defined criteria, the focus is on hiring exceptional talent and shaping roles around their strengths. This approach has brought in engineers from industries like food delivery and big tech, injecting fresh thinking and raising the bar for performance. Diverse perspectives aren’t just welcomed — they’re essential to solving complex problems.

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Customer Journeys Over Business Outcomes

Barclays is shifting its technology teams to focus on customer journeys rather than internal metrics. This change has led to outsized results, with feature teams now accountable for reducing friction, solving pain points, and delivering real value to customers. It’s a model that aligns technology delivery with the lived experience of the end user.

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Staying Sharp in Leadership

In a high-pressure role, staying effective requires discipline. James prioritises exercise four times a week and uses a simple but powerful daily reflection habit: asking what his future self wants to have achieved by midday and by the end of the day. He also challenges the default mindset of “more is better,” advocating for simplicity and intentionality in how teams work and how time is spent.

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Conclusion: Leadership That Moves the Needle

James Higgins’ story is a masterclass in modern leadership — one that values clarity, autonomy, and purpose. His ability to blend strategic thinking with hands-on problem-solving is helping Barclays deliver meaningful change at scale.

Subscribe to the Action Impact Growth podcast for more conversations with leaders driving transformation, building high-performing teams, and making an impact.

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